Implementación de un modelo de scoring en la calificación de la cartera de microcrédito para mitigar el riesgo crediticio en la Cooperativa de Ahorro y Crédito Lucha Campesina.

Abstract

The objective of this research was the implementation of a scoring model in the qualification of microcredits as a credit risk mitigation tool in the Lucha Campesina Savings and Credit Cooperative, for this independent variable investigation independent of the payment capacity, character, capital , conditions and collateral, and the dependent variable will constitute the credit risk, consequently to measure the credit risk the referred model will be detected, which entails mathematical and statistical formality of the elements of the 5C of the credit, based on the empirical knowledge of the researcher and general acceptance of this methodology in the rest of the institutions of the popular and solidarity financial sector of the Country. The model will take information from internal sources of information of the Cooperative and external information such as credit and information from the economic and social environment, which will contribute to a better classification of the level of risk of credit subjects. It was concluded that the adoption of the proposed model improves the management of the loan portfolio, identifying the most likely debtors to default on their payments and prospective partners of good behavior in fulfilling their obligations, which translates into the reduction of the entity's credit risk indicator.